Posted by: Mike Clough | August 28th, 2009

Small Business Owners Find PEOs A Better Way

peo(sm)For many small business owners, the administrative burden of hiring, paying, and managing employees is a time-consuming distraction from their core business. As they attempt to handle these issues on their own, oftentimes the business suffers. Consequently, many small businesses are turning to an alternative method of hiring and managing employees. A rapidly growing trend is to outsource the entire Human Resource function to a “professional employer organization” or PEO.

In order to provide you with some insight into PEOs, I decided to team up with Susan Fronk, a small business advisor at Administaff, the company that founded the industry, to find out how they work and the benefits of using one. Here is what I found out.

Some PEOs provide a complete turn key solution for managing Human Resources including recruiting and hiring, payroll processing, worker’s compensation, training and development, performance management, government compliance, employer liability, benefits management, safety, and myriad administrative tasks.

Here’s how it works. You as the business owner contract with the PEO to assume certain Human Resource duties and responsibilities, which allows you to focus your full attention on your core business. The PEO assumes and manages the administrative aspects of your relationship with employees as well as many other employer-related responsibilities and risks. You continue to manage your employees and run your business as you see fit, without all the distractions and administrative burdens of being an employer. The return on your investment can extend well beyond the potential savings on hard costs such as medical benefits and workers compensation insurance to significant improvements in performance, organizational efficiencies, revenue generation, and profits.

Most small business owners do not personally possess or employ people with Human Resource (HR) experience or expertise. A PEO already has experienced HR professionals with expertise in benefits, payroll, OSHA compliance and just about anything else an organization might need relative to being an employer because this is their core business. By pooling the employees of a small business with a larger group of employees from other small businesses, a PEO can offer benefits such as health insurance and retirement plans at much lower costs than a small business can afford on their own due to the economies of scale.  So, instead of dealing with the annual aggravation of shopping for benefits like health insurance, a small business can rely on their PEO to do the legwork and secure the best plans for the best rates. In many small businesses, the savings on medical insurance alone offsets the cost of having a PEO.

Recruitment and selection processes including pre-employment testing is another area in which a PEO can help small businesses. Without effective candidate screening processes, you risk placing the wrong person in the job, leading to costly turnover, poor performance, and lost productivity. A PEO can help you develop a sound selection process including pre-employment tests to predict employee loyalty as well as success in a specific job. While these tests aren’t foolproof, they can prevent many costly hiring mistakes.

Recruitment and selection assistance can be a significant benefit to small business owners who often dread the prospect of reading mountains of resumes and conducting interviews for prospective hires. A PEO can take over much of this responsibility and deliver qualified candidates quickly. Then, the PEO handles the necessary paperwork for the new hire. Some PEOs have an entire division devoted to recruiting and selection services to help small business owners attract, screen, hire, and on-board the right employees. Filling open positions quickly can save an employer considerable downtime.

Given the many advantages to small businesses, it is not hard to understand why PEOs are gaining such popularity. Many small business owners give their PEOs the credit for helping them grow their businesses quickly. For more information on PEOs, contact The National Association of Professional Employer Organizations (NAPEO).The organization’s Web site describes how PEOs work, the benefits of using one and guidelines for selecting one that’s right for your business and industry.

PEOs may not be the perfect fit for every small business, but it seems like something every small business should check out and see if it is a good fit for them.

If you would like to contact Susan Fronk you can do so through her LinkedIn page or email her at Susan_Fronk@administaff.com.

Those who enjoyed this article, also enjoyed:
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If you would like to contact me, you can do so by emailing me at mike.clough@bestbizpractices.org or visiting my LinkedIn page.

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Responses

Mike-

Great article about PEOs from the 35,000 foot level. When you get down into it, there are a number of differences around the PEOs and how we service and price our service. TriNet has transparent pricing and the best HRIS employee-driven tool in the business.

The folks from Administaff may be Old School and may have “founded” the PEO industry. We here at TriNet are the New School and we are working on advancing and perfecting the industry.

Give us a look too.

I’ve used PEOs since I purchased my business three years ago. Our PEOs are small and do not offer employee screening and one recently dropped work comp claims admin, which is a major hit. Benefits are not very robust. Fees are around 3% plus hidden fees. I’m probably moving back to direct employment.

Eric, as part of my research for this article I learned that there are many “me too” PEOs. “We are just like [insert quality PEO name here] except cheaper.”

As a serial entrepreneur and experienced CEO, there are a few things that I know very well:

1. Anyone can create a lower quality product and sell it for less.

2. A company that bases its strategy on be a low cost provider has their margins squeezed in the best of times. In tough times, the only place to turn is to cut out certain service or do a very poor job of providing them.

Based upon my personal experience with PEOs, although important, cost is not the most important consideration in using PEOs. You have to get out of the weeds and look at things from a higher position.

Using a high quality PEO, freed me from being bogged down with HR, payroll, legal, liability and other issues that had little to do with my core business and allowed me to focus on marketing to increase revenue. The end result was that the increase in revenue as a result, was many times greater than the cost of the quality PEO.

Today, just like in past recessions, small business owners often focus on cutting expenses rather than increasing revenue. I just don’t believe you can “save” yourself to success. Yet, when totally focused on increasing revenue, they have been able to make dramatic turnarounds. (See Top Turnaround Tip For This Economy: http://bit.ly/j9GCA.)

In my research for this article, I learned that the small PEOs with a low price strategy are struggling financially. They have no margin as a result quality does suffer. Considering how important this part of a small business is to morale and the overall well being of a business, it is my opinion that this is not the place to haggle over price. PEOs can help you dramatically increase your revenue if you use the newly found time and focus on marketing and customer service. A poor PEO can be a horrible distraction.

So my final word is listen to the sales pitch and see where the PEO has put their emphasis (quality or price – it is impossible to have both), check reference from other companies your size that have been with the PEO for a while and you will be able tell with which one you can trust the process.

However, just because there are some PEOs that provide poor service, don’t be tempted to “throw the baby out with the bath water.” A quality PEO can help you succeed far better than trying to do it yourself.

Just one man’s opinion, but one I respect. :-)

Great article. I believe most PEO’s have their place in the market. It’s best to get quotes from a few, compare price, service, etc… The goal is not to find the cheapest, oldest, etc.. The goal is to find the best fit for your business. Everyone is going to try and tell you they are the best becuase of this or that, but you know your business/industry better than they ever will. As the Director of Sales for a PEO, I believe you can’t sell anyone, the prospect has to buy. It’s our job to educate and then beat all expectations…. Remember, it’s always easier to keep a client, than it is to find a new one.

Mike: This is a very good article about PEOs, but as in Eric’s case, they are not for everyone. I have found in my practice, that a number of small businesses who started out with a PEO found that they did not get the personal support they needed. A number of my current clients are “recovering” PEO clients.

One of the services we provide is personal support for our clients. We offer individualized products, we know their businesses intimately, we build trust in the relationship.

As you pointed out, PEOs are not for everyone. There is no one-size-fits-all solution, so business owners should research other alternatives. A competent, experienced HR Consultant can provide much of the support required in the “ramp up” phase or the “mature” phase of a business.

I invite your readers to check out our services: http://www.mjms.net – we are your HR Department On Call(tm) and also provide HR Help Desk ™ services.

Thanks for starting this discussion – it is a great service you are providing.

Margaret Jacoby, SPHR
MJ Management Solutions
http://www.mjms.net

Margaret, anyone can create a lower quality service/product and sell it for less. This is true for PEOs, HR consultants, or any service/product. So I am not surprised to hear of small biz owners unhappy with some PEO. I am sure that you have also found small biz owners unhappy with the HR consultant they hired as well. It is just a different approach to the same problem and there are good and bad players in both.

Unfortunately, many small biz owners have never learned the differences between price and value and most often you get what you pay for. Or I have met some small biz owners that feel their job is to negotiate every last penny of profit out of a deal and then complain because the vendor does not provide the very highest quality of service. What could they possibly be thinking? [Maybe this would be a good topic to blog about!]

The advice I give my small biz clients in these economic times is to search out ways to invest less time in activities that are not their core business and invest this time into marketing their products/services. They cannot “save” their way to success by focusing on cutting expenses but must “sell” their way to success by focusing on marketing and sales.

As a serial entrepreneur myself, I believe “time” and what you do with it, is far more important than “cost”. As a good small biz owner they should already be running a tight ship and there shouldn’t be too many areas to cut expenses. Shame on them if there is.

I am no expert on HR consultants compared to PEOs. However, if you were pitching me, my concern would be more focused on how much time you are saving me that I could reinvest on marketing my core business. I have had experience with one PEO and they served me very well. I was able to grow a six person company with revenues of about $500k to 150 employees with revenues of $15 million by focusing on marketing rather than payroll, benefits, regulations, recruiting, training, 401k, writing employee manuals and the many other things my PEO handled for me.

I do recognize that all PEOs are not created equally. Some are not much more than a payroll service while others are full service. I would guess that also holds true for HR consultants. But I strongly believe that small biz is better off focusing on their core business activities and generally can improve the quality of their non-core activities by contracting out to a vendor where it is their core business activity. I will leave it to each small biz owner to decide whether that is best accomplished with a PEO or an HR consultant.

Thanks for your input Margaret!

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